Call reports 2010
WESTSIDE COMMUNITY BANK — 2010
What WESTSIDE COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 159,569,000 | 157,029,000 | 150,215,000 | 147,700,000 |
| Total loans | 134,045,000 | 130,978,000 | 125,464,000 | 117,559,000 |
| Allowance for loan losses | 4,389,000 | 4,405,000 | 4,713,000 | 3,511,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,396,000 | 3,306,000 | 3,305,000 | 3,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,798,000 | 144,291,000 | 137,816,000 | 136,557,000 |
| Interest-bearing deposits | 136,064,000 | 133,982,000 | 128,230,000 | 127,972,000 |
| Noninterest-bearing deposits | 10,734,000 | 10,309,000 | 9,586,000 | 8,585,000 |
| Equity capital | 12,303,000 | 12,214,000 | 11,845,000 | 10,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,136,000 | 3,701,000 | 5,430,000 | 6,948,000 |
| Interest expense | 691,000 | 1,309,000 | 1,829,000 | 2,264,000 |
| Net interest income | 1,445,000 | 2,392,000 | 3,601,000 | 4,684,000 |
| Noninterest income | 55,000 | 188,000 | 247,000 | 349,000 |
| Noninterest expense | 979,000 | 2,009,000 | 3,019,000 | 4,702,000 |
| Provision for loan losses | 315,000 | 415,000 | 1,080,000 | 2,078,000 |
| Pretax income | 206,000 | 156,000 | -251,000 | -1,747,000 |
| Income tax | 0 | 39,000 | 0 | 123,000 |
| Net income | 206,000 | 117,000 | -251,000 | -1,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,303,000 | 12,214,000 | 11,845,000 | 10,376,000 |
| Total capital | 14,085,000 | 13,966,000 | 13,526,000 | 11,972,000 |
| Risk-weighted assets | 139,964,000 | 137,538,000 | 131,414,000 | 125,737,000 |